Ethos Technologies Inc. Sample Contracts

EQUITY EXCHANGE RIGHT AGREEMENT
Equity Exchange Right Agreement • February 2nd, 2026 • Ethos Technologies Inc. • Insurance agents, brokers & service • Delaware

THIS EQUITY EXCHANGE RIGHT AGREEMENT (this “Agreement”) is made and entered into as of January 28, 2026, by and between Ethos Technologies Inc., a Delaware corporation (the “Company”), and Lingke Wang (the “Founder”).

ETHOS TECHNOLOGIES INC. AMENDED AND RESTATED INVESTOR RIGHTS AGREEMENT
Investor Rights Agreement • June 12th, 2025 • Ethos Technologies Inc. • Services-business services, nec • Delaware

THIS AMENDED AND RESTATED INVESTOR RIGHTS AGREEMENT (the “Agreement”) is entered into as of July 26, 2021, by and among ETHOS TECHNOLOGIES INC., a Delaware corporation (the “Company”) and the investors listed on Exhibit A hereto, referred to hereinafter as the “Investors” and each individually as an “Investor.”

Contract
Warrant Agreement • September 26th, 2025 • Ethos Technologies Inc. • Insurance agents, brokers & service • California

THIS WARRANT AND THE SHARES ISSUABLE HEREUNDER HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”), OR THE SECURITIES LAWS OF ANY STATE AND, EXCEPT AS SET FORTH IN SECTIONS 5.3 AND 5.4 BELOW, MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED UNLESS AND UNTIL REGISTERED UNDER SAID ACT AND LAWS OR, IN THE OPINION OF LEGAL COUNSEL IN FORM AND SUBSTANCE SATISFACTORY TO THE COMPANY, SUCH OFFER, SALE, PLEDGE OR OTHER TRANSFER IS EXEMPT FROM SUCH REGISTRATION.

Underwriting Agreement
Underwriting Agreement • January 20th, 2026 • Ethos Technologies Inc. • Insurance agents, brokers & service

Ethos Technologies Inc., a Delaware corporation (the “Company”), proposes, subject to the terms and conditions stated in this agreement (this “Agreement”), to issue and sell to the Underwriters named in Schedule I hereto (the “Underwriters”) an aggregate of [•] shares of Class A common stock, par value $0.0001 per share (“Stock”), of the Company and the stockholders of the Company named in Schedule II hereto (the “Selling Stockholders”) propose, subject to the terms and conditions stated in this Agreement, to sell to the Underwriters an aggregate of [•] shares of Stock. The aggregate of [•] shares to be sold by the Company and the Selling Stockholders is herein called the “Shares.”

EQUITY EXCHANGE RIGHT AGREEMENT
Equity Exchange Right Agreement • January 20th, 2026 • Ethos Technologies Inc. • Insurance agents, brokers & service • Delaware

THIS EQUITY EXCHANGE RIGHT AGREEMENT (this “Agreement”) is made and entered into as of [_______], by and between Ethos Technologies Inc., a Delaware corporation (the “Company”), and [NAME] (the “Founder”).

EXCHANGE AGREEMENT
Exchange Agreement • February 2nd, 2026 • Ethos Technologies Inc. • Insurance agents, brokers & service • Delaware

THIS EXCHANGE AGREEMENT (this “Agreement”) is made and entered into as of January 28, 2026 by and between Ethos Technologies Inc., a Delaware corporation (the “Company”), and stockholders of the Company listed on Exhibit A hereto (collectively, “Exchange Stockholders”).

ETHOS TECHNOLOGIES INC. INDEMNITY AGREEMENT
Indemnification Agreement • September 26th, 2025 • Ethos Technologies Inc. • Insurance agents, brokers & service • Delaware

This Indemnity Agreement (this “Agreement”) is dated as of __________, and is between Ethos Technologies Inc., a Delaware corporation (together with its subsidiaries, the “Company”), and __________ (“Indemnitee”).

OFFICE LEASE 90 NEW MONTGOMERY STREET SAN FRANCISCO, CALIFORNIA 90 NEW MONTGOMERY PARTNERS, A CALIFORNIA LIMITED PARTNERSHIP, a California limited partnership, as Landlord, and ETHOS TECHNOLOGIES INC., a Delaware corporation, as Tenant.
Office Lease • September 26th, 2025 • Ethos Technologies Inc. • Insurance agents, brokers & service

This Office Lease, which includes the preceding Summary attached hereto and incorporated herein by this reference (the Office Lease and Summary to be known sometimes collectively hereafter as the “Lease”), dated as of the date set forth in Section 1 of the Summary, is made by and between 90 NEW MONTGOMERY PARTNERS, A CALIFORNIA LIMITED PARTNERSHIP, a California limited partnership (“Landlord”), and ETHOS TECHNOLOGIES INC., a Delaware corporation (“Tenant”).

EXCHANGE AGREEMENT
Exchange Agreement • February 2nd, 2026 • Ethos Technologies Inc. • Insurance agents, brokers & service • Delaware

THIS EXCHANGE AGREEMENT (this “Agreement”) is made and entered into as of January 28, 2026 by and between Ethos Technologies Inc., a Delaware corporation (the “Company”), and stockholders of the Company listed on Exhibit A hereto (collectively, “Exchange Stockholders”).

EXCHANGE AGREEMENT
Exchange Agreement • January 20th, 2026 • Ethos Technologies Inc. • Insurance agents, brokers & service • Delaware

THIS EXCHANGE AGREEMENT (this “Agreement”) is made and entered into as of [_______], by and between Ethos Technologies Inc., a Delaware corporation (the “Company”), and stockholders of the Company listed on Exhibit A hereto (collectively, “Exchange Stockholders”).

Contract
Warrant Agreement • September 26th, 2025 • Ethos Technologies Inc. • Insurance agents, brokers & service • Delaware

THIS WARRANT AND THE SECURITIES ISSUABLE UPON THE EXERCISE HEREOF HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”), OR UNDER THE SECURITIES LAWS OF ANY STATES IN THE UNITED STATES. THESE SECURITIES ARE SUBJECT TO RESTRICTIONS ON TRANSFERABILITY AND RESALE AND MAY NOT BE TRANSFERRED OR RESOLD EXCEPT AS PERMITTED UNDER THE TERMS OF THIS WARRANT, THE ACT AND THE APPLICABLE STATE SECURITIES LAWS, PURSUANT TO REGISTRATION OR EXEMPTION THEREFROM. THE ISSUER OF THESE SECURITIES MAY REQUIRE AN OPINION OF COUNSEL IN FORM AND SUBSTANCE SATISFACTORY TO THE ISSUER TO THE EFFECT THAT ANY PROPOSED TRANSFER OR RESALE IS IN COMPLIANCE WITH THE ACT AND ANY APPLICABLE STATE SECURITIES LAWS.